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## At a Glance

### Peace of Mind

With a supplementary income stream, you can pursue a new passion, travel the world, or buy a special gift for your spouse without lifestyle compromises.

Manulife ReadyIncome gives you fixed1 and non-guaranteed yearly income payouts2 to do just that. It is a whole life insurance plan that pays from the end of the 2nd policy year even when you are still paying premiums.

What’s more, you have the flexibility to transfer the policy ownership to your child when he/she reaches age 18. This allows you to provide your child with long-term financial stability in the form of yearly income payouts

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## Features & Benefits

Regular stream of income

• Enjoy fixed yearly income1 to age 99, from the end of policy year 2
• Receive extra payouts in the form of non-guaranteed yearly income2 from the end of policy year 2
• Easy application with no health check-up

Flexibility

• Choice of Premium Payment Term – For 5, 10, 15 or 20 years
• Freedom to transfer the policy to your child when he/she reaches age 18

Peace of Mind

• Be covered against death and terminal illness to age 99
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## How it works

Here’s an example of how Manulife ReadyIncome can help:

The values in the above illustration are based on illustrated investment rate of return of 4.75% p.a. Diagrams are only for illustrative purposes and are not drawn to scale. Figures have also been rounded for illustrative purposes

Based on an illustrated investment rate of return of 3.25% p.a., the values are:

• Policy Years 2-9: Total received per year = \$375 / Fixed yearly income1 = S\$250 / Non-guaranteed yearly income2 = S\$125
• Policy Year 10 onwards and Policy Years 18-85: Total received per year = \$3,000 / Fixed yearly income1 = S\$2,000 / Non-guaranteed yearly income2 = S\$1,000
• Lump sum death benefit3 = S\$102,322

The values in the above illustration are based on illustrated investment rate of return of 4.75% p.a. Figures have also been rounded for illustrative purposes.

Based on an illustrated investment rate of return of 3.25% p.a., the values are:

• Total yearly income = S\$231,000 / Total fixed yearly income1 = S\$154,000 / Total non-guaranteed yearly income2 = S\$77,000
• Lump sum death benefit3 = S\$102,322
• Total illustrated benefits received: S\$333,322 at 342% of the total premiums paid
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## How to Apply

11% of the sum insured from the end of the Policy Year 2 to 9, and increases to 8% from the end of Policy Year 10.
21.25% of the sum insured from the end of Policy Years 2 to 9 and 10% from the end of Policy Year 10 onwards is based on the illustrated investment rate of return of 4.75% a year. 0.50% of the sum insured from the end of Policy Year 2 to 9 and 4.00% from the end of Policy Year 10 onwards is based on the illustrated investment rate of return of 3.25% a year.
3Consists of a fixed payout of 105% of total premiums paid-to-date (but not any premiums paid in advance) and any accumulated yearly income (less any amount owed to Manulife).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 10 December 2018.

DBS Insurance Important Notes